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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,719 | $98,652-64.8% | $142,942-75.7% | $82,448-57.9% |
| Participation rate | 96.0% | 72.8%+23.2pp | 76.8%+19.2pp | 68.1%+27.9pp |
| Annual return | 18.34% | 22.65%-4.3pp | 113.70%-95.4pp | 41.64%-23.3pp |
| Employer contribution / active EE | $3,100 | $3,211-3.5% | $4,139-25.1% | $2,551+21.5% |
| Participant deferral / active EE | $4,902 | $5,580-12.2% | $7,128-31.2% | $4,139+18.4% |
| Admin fee / account holder | $2,910 | $8,078-64.0% | $12,475-76.7% | $7,234-59.8% |